The primary purpose of insurance is to cover the cost of the unexpected and the unforeseen. Health insurance companies may apply a special condition to a policy when it is clear from the information provided that the insured is either receiving ongoing treatment or has a foreseeable need to receive treatment for a specific medical condition, as this condition constitutes a known risk. Treatment for the ongoing condition may be in the form of consultations with a medical practitioner, tests, investigations or medication to control the condition and/or its symptoms.

When a special condition is applied to an insurance policy, the company may not assist towards any costs incurred for that specific condition, nor for conditions which arise directly from that excluded condition. A hypothetical example would be when an exclusion had been applied for High Cholesterol and the patient later developed heart attack as a direct result of the High Cholesterol. Benefit would not be available for any treatment of the High Cholesterol, nor for treatment of the heart attack.

The following is a popular local PPO with Cia. Internacional de Seguros. This is a Panama ONLY alternative. My associate Carmen 322-1605 and an IS executive, Brenda West 206-4235 are standing by to answer specific questions and complete the application process..

Maximum Age to apply – 62 YEARS OLD. In order to qualify, you must take and pass required exams/labs at your own expense!

Change is taking place at an increasing pace. Spotting trends can help us live and invest better. One big change is that many people are changing residences. More and more people choose to live in countries other than where they were born and have lived.

With the current exodus out of USA and Canada, many new residents are coming to Latin America.

Often an important factor in determining whether a person can move abroad is finding good health insurance. Moving to Ecuador or Panama or wherever and leaving current health insurance behind is a difficult decision. Remember, Medicare does NOT cover you outside the USA. There is a solution!

Below you will find a web page describing several local health insurance plans that I believe are acceptable.
http://www.amundial.com/es/planes-sal-ind.aspx
You should know that local companies change rates and coverage often, so please don't hold me to these as chiseled in stone. Be very careful of "coverage" sold by local hospitals, they are not insurance contracts and these "agreements" may change at the whim of the hospital. They are woefully inadequate for any serious condition and most will only pay up to $15,000 lifetime. Remember, most intensive care facilities are $800.00/day.
MORE...